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Axos Financial (AX) Financials

Axos Financial logo
$67.72 +0.35 (+0.52%)
Closing price 05/5/2025 03:59 PM Eastern
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$67.44 -0.28 (-0.41%)
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Annual Income Statements for Axos Financial

Annual Income Statements for Axos Financial

This table shows Axos Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024
Net Income / (Loss) Attributable to Common Shareholders		 82 119 134 152 155 183 216 241 307 450
Consolidated Net Income / (Loss)		 83 119 135 152 155 183 216 241 307 450
Net Income / (Loss) Continuing Operations		 83 119 135 152 155 183 216 241 307 450
Total Pre-Tax Income 		141 205 233 240 213 263 306 340 432 635
Total Revenue		 230 327 381 439 491 581 644 721 904 1,184
Net Interest Income / (Expense)		 199 261 313 368 409 478 539 607 783 961
Total Interest Income		 244 318 387 475 565 623 618 660 1,157 1,656
Loans and Leases Interest Income		 220 291 359 447 525 583 584 627 1,049 1,500
Investment Securities Interest Income		 24 27 28 28 40 40 33 33 108 156
Total Interest Expense		 45 57 74 107 156 145 79 53 374 694
Deposits Interest Expense		 35 43 56 80 117 127 61 34 339 671
Long-Term Debt Interest Expense		 - - 0.00 0.00 0.75 0.68 1.50 1.12 3.67 2.21
Federal Funds Purchased and Securities Sold Interest Expense		 8.91 11 12 23 33 12 4.67 4.63 13 3.09
Other Interest Expense		 1.78 2.85 5.16 3.88 5.62 5.65 12 13 18 18
Total Non-Interest Income		 31 66 68 71 83 103 105 113 120 223
Other Service Charges		 27 50 61 65 77 96 105 84 92 99
Net Realized & Unrealized Capital Gains on Investments		 3.78 16 7.19 5.56 6.05 6.87 - 0.00 0.00 92
Investment Banking Income		 - - - - - 0.00 0.00 29 28 31
Provision for Credit Losses		 11 9.70 11 26 27 42 24 24 24 33
Total Non-Interest Expense		 77 113 138 174 251 276 315 357 448 516
Salaries and Employee Benefits		 44 67 82 101 127 144 153 167 204 251
Net Occupancy & Equipment Expense		 9.72 15 19 23 33 43 54 64 76 86
Marketing Expense		 6.06 6.87 9.37 16 15 15 14 14 37 43
Other Operating Expenses		 15 20 21 25 60 50 69 87 107 109
Depreciation Expense		 3.27 4.80 6.09 8.57 16 24 24 25 23 27
Income Tax Expense		 58 86 98 87 58 79 90 99 125 185
Basic Earnings per Share		 $1.35 $1.87 $2.11 $2.41 $2.50 $3.01 $3.64 $4.04 $5.15 $7.82
Weighted Average Basic Shares Outstanding		 59.94M 62.91M 63.36M 63.06M 61.24M 59.51M 59.36M 59.97M 59.98M 56.89M
Diluted Earnings per Share		 $1.34 $1.87 $2.10 $2.37 $2.48 $2.98 $3.56 $3.97 $5.07 $7.66
Weighted Average Diluted Shares Outstanding		 59.94M 62.91M 63.36M 63.06M 61.24M 59.51M 59.36M 59.97M 59.98M 56.89M
Weighted Average Basic & Diluted Shares Outstanding		 59.94M 62.91M 63.36M 63.06M 61.24M 59.51M 59.36M 59.97M 59.98M 56.89M

Quarterly Income Statements for Axos Financial

This table shows Axos Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 58 82 80 87 83 152 111 105 112 105 105
Consolidated Net Income / (Loss)		 58 82 80 87 83 152 111 105 112 105 105
Net Income / (Loss) Continuing Operations		 58 82 80 87 83 152 111 105 112 105 105
Total Pre-Tax Income 		83 117 115 117 118 217 156 144 159 150 148
Total Revenue		 208 228 231 236 246 353 295 291 321 308 309
Net Interest Income / (Expense)		 180 200 199 204 211 229 262 260 292 280 275
Total Interest Income		 224 280 307 346 364 395 444 453 484 456 433
Loans and Leases Interest Income		 208 256 280 305 327 358 405 409 438 411 395
Investment Securities Interest Income		 15 24 27 41 37 37 38 44 46 45 38
Total Interest Expense		 43 80 108 143 153 166 182 193 192 176 157
Deposits Interest Expense		 33 71 98 137 146 160 177 188 187 171 153
Long-Term Debt Interest Expense		 0.94 1.07 1.31 0.36 0.45 1.01 0.38 0.38 0.54 0.48 0.33
Federal Funds Purchased and Securities Sold Interest Expense		 5.16 2.50 4.45 0.52 0.53 0.53 0.74 1.29 0.53 0.51 0.31
Other Interest Expense		 4.70 4.76 4.15 4.61 5.71 4.34 4.11 4.15 3.88 4.12 3.93
Total Non-Interest Income		 27 28 32 33 35 124 33 31 29 28 33
Other Service Charges		 20 21 25 25 26 24 25 23 21 20 25
Net Realized & Unrealized Capital Gains on Investments		 - 0.00 0.00 - - 92 0.00 - - 0.00 0.00
Investment Banking Income		 6.96 6.98 6.88 7.50 8.22 7.36 8.11 7.65 7.95 7.98 8.12
Provision for Credit Losses		 8.75 3.00 5.50 7.00 7.00 14 6.00 6.00 14 12 15
Total Non-Interest Expense		 116 108 111 112 121 122 133 141 147 145 146
Salaries and Employee Benefits		 47 50 53 55 56 59 67 69 74 74 75
Net Occupancy & Equipment Expense		 18 18 20 20 20 22 22 21 23 24 26
Marketing Expense		 6.37 11 12 8.10 10 9.79 10 12 14 11 11
Other Operating Expenses		 39 23 21 24 29 24 26 31 28 30 27
Depreciation Expense		 6.09 5.96 5.67 5.67 5.88 6.49 7.22 7.50 7.45 7.03 6.85
Income Tax Expense		 24 36 35 30 36 66 45 40 47 46 43
Basic Earnings per Share		 $0.98 $1.36 $1.33 $1.48 $1.40 $2.65 $1.94 $1.83 $1.97 $1.83 $1.84
Weighted Average Basic Shares Outstanding		 60.00M 60.00M 59.11M 59.98M 57.73M 56.90M 56.97M 56.89M 57.09M 57.10M 56.37M
Diluted Earnings per Share		 $0.97 $1.35 $1.32 $1.43 $1.38 $2.62 $1.91 $1.75 $1.93 $1.80 $1.81
Weighted Average Diluted Shares Outstanding		 60.00M 60.00M 59.11M 59.98M 57.73M 56.90M 56.97M 56.89M 57.09M 57.10M 56.37M
Weighted Average Basic & Diluted Shares Outstanding		 60.00M 60.00M 59.11M 59.98M 57.73M 56.90M 56.97M 56.89M 57.09M 57.10M 56.37M

Annual Cash Flow Statements for Axos Financial

This table details how cash moves in and out of Axos Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024
Net Change in Cash & Equivalents		 67 264 157 -21 235 1,093 -913 537 807 -196
Net Cash From Operating Activities		 116 167 198 168 204 284 413 217 197 305
Net Cash From Continuing Operating Activities		 116 167 198 168 204 284 413 217 197 305
Net Income / (Loss) Continuing Operations		 83 119 135 152 155 183 216 241 307 450
Consolidated Net Income / (Loss)		 83 119 135 152 155 183 216 241 307 450
Provision For Loan Losses		 11 9.70 11 26 43 42 24 24 24 33
Depreciation Expense		 3.27 4.80 6.09 8.57 16 24 24 25 23 27
Amortization Expense		 -5.54 -4.25 -7.42 -30 -30 -24 4.75 3.93 -1.62 -58
Non-Cash Adjustments to Reconcile Net Income		 38 43 49 30 16 4.66 40 26 -12 -24
Changes in Operating Assets and Liabilities, net		 -14 -5.45 4.66 -19 4.13 54 104 -103 -144 -122
Net Cash From Investing Activities		 -1,374 -1,538 -789 -1,026 -932 -1,348 -867 -2,783 -2,399 -2,589
Net Cash From Continuing Investing Activities		 -1,374 -1,538 -789 -1,026 -932 -1,348 -867 -2,783 -2,399 -2,589
Purchase of Investment Securities		 -108 -500 -709 -146 -442 -545 -277 -3,084 -2,587 -2,741
Sale and/or Maturity of Investments		 1,977 2,545 3,989 5,086 6,282 5,771 5,171 301 188 152
Net Cash From Financing Activities		 1,325 1,634 747 837 962 2,157 -459 3,103 3,010 2,087
Net Cash From Continuing Financing Activities		 1,325 1,634 747 837 962 2,157 -459 3,103 3,010 2,087
Net Change in Deposits		 1,410 1,592 855 1,086 998 2,354 -521 3,131 3,177 2,236
Issuance of Debt		 734 60 0.00 -173 7.40 -9.05 175 39 0.00 0.00
Repayment of Debt		 -901 -35 -102 -30 23 -140 -80 -52 -112 -36
Repurchase of Common Equity		 - 0.00 0.00 -35 -56 -39 -17 0.00 -49 -96
Other Financing Activities, Net		 6.31 -3.46 -6.10 -9.95 -9.92 -7.46 -11 -14 -6.14 -16
Cash Interest Paid		 46 56 74 106 153 145 78 50 368 699
Cash Income Taxes Paid		 68 89 102 80 64 80 93 100 131 201

Quarterly Cash Flow Statements for Axos Financial

This table details how cash moves in and out of Axos Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 123 254 552 -122 32 -650 582 -160 618 -130 -416
Net Cash From Operating Activities		 71 106 -58 77 34 119 115 44 71 163 74
Net Cash From Continuing Operating Activities		 71 106 -58 77 34 119 115 44 71 163 74
Net Income / (Loss) Continuing Operations		 58 82 80 87 83 152 111 105 112 105 105
Consolidated Net Income / (Loss)		 58 82 80 87 83 152 111 105 112 105 105
Provision For Loan Losses		 8.75 3.00 5.50 7.00 7.00 14 6.00 6.00 14 12 15
Depreciation Expense		 6.09 5.96 5.67 5.67 5.88 6.49 7.22 7.50 7.45 7.03 6.85
Amortization Expense		 0.71 -0.18 -1.15 -0.99 -3.10 -8.91 -26 -20 -37 -21 -24
Non-Cash Adjustments to Reconcile Net Income		 -4.34 23 -13 -18 20 -72 -30 59 14 -14 9.24
Changes in Operating Assets and Liabilities, net		 1.20 -7.50 -134 -3.40 -78 28 47 -114 -40 74 -38
Net Cash From Investing Activities		 -1,150 -261 -397 -591 -506 -1,236 -419 -434 -46 -269 -678
Net Cash From Continuing Investing Activities		 -1,150 -261 -397 -591 -506 -1,236 -419 -434 -46 -269 -678
Purchase of Investment Securities		 -68 -27 -70 -2,422 -509 -1,244 -8.44 -1,865 -97 -509 -704
Sale and/or Maturity of Investments		 1,404 1,779 1,409 -4,404 2.23 8.65 2,330 -6,609 52 240 27
Net Cash From Financing Activities		 1,203 409 1,006 392 504 467 887 230 593 -24 188
Net Cash From Continuing Financing Activities		 1,203 409 1,006 392 504 467 887 230 593 -24 188
Net Change in Deposits		 1,230 514 1,048 384 443 638 900 256 614 -38 202
Issuance of Debt		 -20 -92 - 112 86 -107 -6.00 27 0.00 45 19
Repurchase of Common Equity		 0.00 - -32 -17 -18 -64 -0.60 -13 0.00 - -26
Other Financing Activities, Net		 -2.89 -0.04 -0.66 -2.56 -6.08 -0.17 -2.13 -7.81 -9.48 -0.29 -6.33
Cash Interest Paid		 42 79 106 140 152 171 179 197 192 175 157
Cash Income Taxes Paid		 37 36 35 23 53 32 60 57 40 49 52

Annual Balance Sheets for Axos Financial

This table presents Axos Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024
Total Assets		 5,824 7,599 8,502 9,540 11,220 13,852 14,266 17,401 20,348 22,855
Cash and Due from Banks		 223 487 628 623 511 1,756 716 1,203 2,233 1,980
Restricted Cash		 - - - 0.00 346 194 322 372 149 206
Trading Account Securities		 397 472 273 180 372 410 808 603 367 209
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 5,032 6,409 7,400 8,470 9,420 97 42 16 24 16
Intangible Assets		 - - 0.00 68 135 125 116 156 152 142
Other Assets		 164 217 169 199 436 11,269 12,261 15,051 17,423 20,302
Total Liabilities & Shareholders' Equity		 5,824 7,599 8,502 9,540 11,220 13,852 14,266 17,401 20,348 22,855
Total Liabilities		 5,290 6,916 7,667 8,579 10,147 12,621 12,865 15,758 18,431 20,565
Non-Interest Bearing Deposits		 309 589 849 1,015 1,442 1,937 2,474 5,034 2,898 2,976
Interest Bearing Deposits		 4,143 5,455 6,051 6,970 7,541 9,400 8,341 8,912 14,225 16,384
Short-Term Debt		 35 35 20 0.00 239 348 535 512 445 301
Long-Term Debt		 758 783 694 512 826 734 1,304 1,037 612 490
Other Long-Term Liabilities		 44 52 52 82 100 203 210 263 251 415
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 534 684 834 961 1,073 1,231 1,401 1,643 1,917 2,291
Total Preferred & Common Equity		 534 684 834 961 1,073 1,231 1,401 1,643 1,917 2,291
Total Common Equity		 528 684 834 961 1,073 1,231 1,401 1,643 1,917 2,291
Common Stock		 297 332 347 367 391 413 433 454 481 511
Retained Earnings		 266 385 519 671 826 1,009 1,188 1,428 1,736 2,186
Treasury Stock		 -25 -31 -37 -82 -149 -195 -223 -237 -292 -403
Accumulated Other Comprehensive Income / (Loss)		 -9.40 -7.30 0.49 -0.61 0.02 -0.94 2.51 -2.93 -6.61 -2.47

Quarterly Balance Sheets for Axos Financial

This table presents Axos Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 9/30/2023 12/31/2023 3/31/2024 9/30/2024 12/31/2024 3/31/2025
Total Assets		 18,407 18,741 19,782 20,825 21,624 22,642 23,569 23,709 23,981
Cash and Due from Banks		 1,369 1,756 2,324 2,162 1,569 2,130 2,571 2,438 2,001
Restricted Cash		 329 197 180 252 195 216 233 235 256
Trading Account Securities		 345 307 367 97 385 314 223 213 172
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 20 4.75 8.22 8.01 13 16 15 25 16
Intangible Assets		 160 158 155 150 147 144 139 138 136
Other Assets		 16,183 16,319 16,748 18,157 19,314 19,822 20,389 20,660 21,400
Total Liabilities & Shareholders' Equity		 18,407 18,741 19,782 20,825 21,624 22,642 23,569 23,709 23,981
Total Liabilities		 16,706 16,953 17,938 18,849 19,546 20,446 21,163 21,187 21,377
Non-Interest Bearing Deposits		 4,627 3,442 3,173 2,875 2,834 2,759 3,056 2,990 2,970
Interest Bearing Deposits		 10,550 12,248 13,566 14,690 15,370 16,345 16,918 16,945 17,167
Short-Term Debt		 501 421 406 342 369 387 316 310 314
Long-Term Debt		 745 590 539 654 587 540 499 554 549
Other Long-Term Liabilities		 284 252 254 287 386 415 375 389 378
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,701 1,788 1,844 1,976 2,078 2,196 2,406 2,522 2,604
Total Preferred & Common Equity		 1,701 1,788 1,844 1,976 2,078 2,196 2,406 2,522 2,604
Total Common Equity		 1,701 1,788 1,844 1,976 2,078 2,196 2,406 2,522 2,604
Common Stock		 460 466 474 487 494 503 522 530 541
Retained Earnings		 1,487 1,568 1,648 1,818 1,970 2,081 2,298 2,403 2,508
Treasury Stock		 -240 -240 -272 -323 -382 -385 -413 -413 -446
Accumulated Other Comprehensive Income / (Loss)		 -5.77 -6.95 -5.57 -6.39 -3.92 -3.06 -0.77 3.01 1.11

Annual Metrics and Ratios for Axos Financial

This table displays calculated financial ratios and metrics derived from Axos Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 43.86% 42.61% 16.50% 15.23% 11.82% 18.16% 10.92% 11.88% 25.41% 31.04%
EBITDA Growth		 60.86% 48.24% 12.62% -5.57% -8.89% 31.94% 27.41% 10.12% 23.07% 33.25%
EBIT Growth		 49.42% 45.46% 13.57% 3.01% -11.22% 23.41% 16.42% 11.19% 27.00% 47.19%
NOPAT Growth		 47.76% 44.28% 12.95% 13.11% 1.78% 18.25% 17.59% 11.59% 27.60% 46.50%
Net Income Growth		 47.76% 44.28% 12.95% 13.11% 1.78% 18.25% 17.59% 11.59% 27.60% 46.50%
EPS Growth		 39.58% 39.55% 12.30% 12.86% 4.64% 20.16% 19.46% 11.52% 27.71% 51.08%
Operating Cash Flow Growth		 444.59% 43.76% 18.93% -15.41% 21.74% 38.99% 45.22% -47.50% -9.19% 55.30%
Free Cash Flow Firm Growth		 128.87% -164.00% 257.52% 161.37% -322.76% 101.60% -8,798.59% 140.62% 81.46% -34.69%
Invested Capital Growth		 -0.32% 13.19% 3.14% -4.95% 45.20% 8.20% 40.11% -1.49% -6.82% 3.61%
Revenue Q/Q Growth		 9.73% 6.71% 1.57% 2.80% 4.16% 4.00% 1.98% 4.96% 5.11% 4.82%
EBITDA Q/Q Growth		 13.71% 5.12% 0.76% -0.48% 4.19% 6.62% 1.38% 1.93% 8.74% 1.66%
EBIT Q/Q Growth		 11.67% 4.79% 2.01% -2.21% 2.34% 5.04% 2.49% 1.91% 8.90% 4.50%
NOPAT Q/Q Growth		 11.29% 4.68% 2.14% 3.09% 2.32% 2.61% 4.33% 1.54% 10.61% 4.05%
Net Income Q/Q Growth		 11.29% 4.68% 2.14% 3.09% 2.32% 2.61% 4.33% 1.54% 10.61% 4.05%
EPS Q/Q Growth		 2,133.33% 112.50% 2.44% 2.60% 2.90% 3.11% 4.09% 2.06% 10.22% 4.36%
Operating Cash Flow Q/Q Growth		 172.83% 34.38% -15.57% 15.41% 16.05% -5.22% 10.06% 27.92% -26.16% -9.93%
Free Cash Flow Firm Q/Q Growth		 277.83% 84.94% 175.29% 320.94% -953.15% 107.95% -85.01% -91.12% 120.89% 249.77%
Invested Capital Q/Q Growth		 18.54% -6.29% -16.32% -24.28% -0.32% -4.67% 7.38% 0.00% 6.64% -1.35%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 60.38% 62.76% 60.67% 49.72% 40.51% 45.23% 51.96% 51.14% 50.19% 51.03%
EBIT Margin		 61.37% 62.59% 61.02% 54.55% 43.31% 45.23% 47.48% 47.18% 47.78% 53.67%
Profit (Net Income) Margin		 36.02% 36.44% 35.33% 34.68% 31.57% 31.59% 33.49% 33.41% 33.99% 38.00%
Tax Burden Percent		 58.70% 58.22% 57.90% 63.58% 72.90% 69.85% 70.55% 70.81% 71.15% 70.81%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 41.30% 41.78% 42.10% 36.42% 27.10% 30.15% 29.45% 29.19% 28.85% 29.19%
Return on Invested Capital (ROIC)		 6.22% 8.44% 8.83% 10.09% 8.60% 8.24% 7.77% 7.49% 9.96% 14.86%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.22% 8.44% 8.83% 10.09% 8.60% 8.24% 7.77% 7.49% 9.96% 14.86%
Return on Net Nonoperating Assets (RNNOA)		 12.06% 11.17% 8.92% 6.89% 6.66% 7.68% 8.62% 8.33% 7.29% 6.53%
Return on Equity (ROE)		 18.29% 19.60% 17.75% 16.98% 15.26% 15.92% 16.39% 15.82% 17.26% 21.39%
Cash Return on Invested Capital (CROIC)		 6.54% -3.93% 5.75% 15.17% -28.27% 0.37% -25.64% 8.99% 17.02% 11.32%
Operating Return on Assets (OROA)		 2.75% 3.05% 2.89% 2.66% 2.05% 2.10% 2.17% 2.15% 2.29% 2.94%
Return on Assets (ROA)		 1.62% 1.78% 1.67% 1.69% 1.49% 1.46% 1.53% 1.52% 1.63% 2.08%
Return on Common Equity (ROCE)		 18.08% 19.52% 17.75% 16.98% 15.26% 15.92% 16.39% 15.82% 17.26% 21.39%
Return on Equity Simple (ROE_SIMPLE)		 15.50% 17.45% 16.15% 15.87% 14.46% 14.90% 15.40% 14.65% 16.02% 19.65%
Net Operating Profit after Tax (NOPAT)		 83 119 135 152 155 183 216 241 307 450
NOPAT Margin		 36.02% 36.44% 35.33% 34.68% 31.57% 31.59% 33.49% 33.41% 33.99% 38.00%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 25.97% 26.95% 28.88% 31.85% 35.59% 34.72% 34.30% 33.99% 35.15% 32.07%
Operating Expenses to Revenue		 33.75% 34.45% 36.08% 39.58% 51.12% 47.50% 48.84% 49.52% 49.54% 43.59%
Earnings before Interest and Taxes (EBIT)		 141 205 233 240 213 263 306 340 432 635
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 139 205 231 218 199 263 335 368 454 604
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 3.07 1.63 1.80 2.66 1.56 1.07 1.96 1.30 1.22 1.42
Price to Tangible Book Value (P/TBV)		 3.07 1.63 1.80 2.87 1.78 1.19 2.14 1.44 1.32 1.52
Price to Revenue (P/Rev)		 7.07 3.41 3.94 5.82 3.40 2.27 4.27 2.97 2.58 2.75
Price to Earnings (P/E)		 19.70 9.39 11.19 16.82 10.79 7.19 12.75 8.89 7.59 7.23
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 5.08% 10.65% 8.94% 5.94% 9.27% 13.90% 7.84% 11.25% 13.18% 13.82%
Enterprise Value to Invested Capital (EV/IC)		 1.66 0.96 1.02 1.66 0.88 0.19 1.10 0.66 0.34 0.60
Enterprise Value to Revenue (EV/Rev)		 9.58 4.42 4.13 5.57 3.82 0.77 5.51 2.93 1.11 1.57
Enterprise Value to EBITDA (EV/EBITDA)		 15.86 7.05 6.81 11.20 9.43 1.71 10.61 5.73 2.22 3.08
Enterprise Value to EBIT (EV/EBIT)		 15.61 7.07 6.77 10.21 8.82 1.71 11.61 6.22 2.33 2.93
Enterprise Value to NOPAT (EV/NOPAT)		 26.59 12.14 11.69 16.06 12.10 2.45 16.46 8.78 3.28 4.14
Enterprise Value to Operating Cash Flow (EV/OCF)		 18.93 8.68 7.93 14.58 9.18 1.58 8.60 9.75 5.12 6.09
Enterprise Value to Free Cash Flow (EV/FCFF)		 25.29 0.00 17.97 10.69 0.00 54.81 0.00 7.31 1.92 5.43
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 1.49 1.20 0.86 0.53 0.99 0.88 1.31 0.94 0.55 0.35
Long-Term Debt to Equity		 1.42 1.15 0.83 0.53 0.77 0.60 0.93 0.63 0.32 0.21
Financial Leverage		 1.94 1.32 1.01 0.68 0.78 0.93 1.11 1.11 0.73 0.44
Leverage Ratio		 11.31 11.03 10.61 10.05 10.21 10.88 10.68 10.40 10.60 10.27
Compound Leverage Factor		 11.31 11.03 10.61 10.05 10.21 10.88 10.68 10.40 10.60 10.27
Debt to Total Capital		 59.78% 54.48% 46.13% 34.75% 49.80% 46.78% 56.76% 48.52% 35.54% 25.67%
Short-Term Debt to Total Capital		 2.64% 2.33% 1.29% 0.00% 11.16% 15.03% 16.52% 16.03% 14.98% 9.77%
Long-Term Debt to Total Capital		 57.15% 52.15% 44.84% 34.75% 38.63% 31.75% 40.24% 32.49% 20.56% 15.90%
Preferred Equity to Total Capital		 0.38% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 39.83% 45.52% 53.87% 65.25% 50.20% 53.22% 43.24% 51.48% 64.46% 74.33%
Debt to EBITDA		 5.72 3.98 3.09 2.34 5.35 4.12 5.50 4.20 2.33 1.31
Net Debt to EBITDA		 4.11 1.61 0.31 -0.51 1.04 -3.31 2.40 -0.07 -2.92 -2.31
Long-Term Debt to EBITDA		 5.47 3.81 3.00 2.34 4.15 2.80 3.90 2.81 1.35 0.81
Debt to NOPAT		 9.59 6.86 5.30 3.36 6.86 5.90 8.53 6.43 3.44 1.76
Net Debt to NOPAT		 6.90 2.78 0.53 -0.73 1.33 -4.74 3.72 -0.11 -4.31 -3.10
Long-Term Debt to NOPAT		 9.17 6.56 5.15 3.36 5.32 4.00 6.04 4.31 1.99 1.09
Noncontrolling Interest Sharing Ratio		 1.12% 0.42% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 87 -56 88 229 -510 8.18 -712 289 525 343
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 1.91 -0.98 1.18 2.15 -3.26 0.06 -9.00 5.50 1.40 0.49
Operating Cash Flow to Interest Expense		 2.56 2.94 2.68 1.58 1.31 1.96 5.21 4.12 0.53 0.44
Operating Cash Flow Less CapEx to Interest Expense		 2.56 2.94 2.68 1.58 1.31 1.96 5.21 4.12 0.53 0.44
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 30.09 29.04 24.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,327 1,502 1,549 1,472 2,137 2,313 3,240 3,192 2,974 3,082
Invested Capital Turnover		 0.17 0.23 0.25 0.29 0.27 0.26 0.23 0.22 0.29 0.39
Increase / (Decrease) in Invested Capital		 -4.25 175 47 -77 665 175 928 -48 -218 107
Enterprise Value (EV)		 2,198 1,448 1,575 2,448 1,877 449 3,550 2,113 1,006 1,861
Market Capitalization		 1,623 1,117 1,504 2,559 1,670 1,317 2,748 2,139 2,331 3,256
Book Value per Share		 $34.42 $10.84 $13.16 $15.36 $17.51 $20.63 $23.65 $27.54 $32.43 $40.21
Tangible Book Value per Share		 $34.42 $10.84 $13.16 $14.27 $15.31 $18.53 $21.69 $24.92 $29.86 $37.72
Total Capital		 1,327 1,502 1,549 1,472 2,137 2,313 3,240 3,192 2,974 3,082
Total Debt		 793 818 714 512 1,064 1,082 1,839 1,549 1,057 791
Total Long-Term Debt		 758 783 694 512 826 734 1,304 1,037 612 490
Net Debt		 570 331 71 -111 207 -869 801 -26 -1,325 -1,395
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 793 818 714 512 1,064 1,082 1,839 1,549 1,057 791
Total Depreciation and Amortization (D&A)		 -2.27 0.55 -1.32 -21 -14 -0.01 29 29 22 -31
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $5.39 $1.85 $2.07 $2.41 $2.50 $3.01 $3.64 $4.04 $5.15 $7.82
Adjusted Weighted Average Basic Shares Outstanding		 15.64M 63.27M 63.61M 62.78M 61.24M 59.51M 59.36M 59.97M 59.98M 56.89M
Adjusted Diluted Earnings per Share		 $5.37 $1.85 $2.07 $2.37 $2.48 $2.98 $3.56 $3.97 $5.07 $7.66
Adjusted Weighted Average Diluted Shares Outstanding		 15.64M 63.27M 63.61M 62.78M 61.24M 59.51M 59.36M 59.97M 59.98M 56.89M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 15.64M 63.27M 63.61M 62.78M 61.24M 59.51M 59.36M 59.97M 59.98M 56.89M
Normalized Net Operating Profit after Tax (NOPAT)		 83 119 135 152 155 183 216 241 307 450
Normalized NOPAT Margin		 36.02% 36.44% 35.33% 34.68% 31.57% 31.59% 33.49% 33.41% 33.99% 38.00%
Pre Tax Income Margin		 61.37% 62.59% 61.02% 54.55% 43.31% 45.23% 47.48% 47.18% 47.78% 53.67%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 3.10 3.61 3.14 2.25 1.36 1.81 3.86 6.47 1.15 0.92
NOPAT to Interest Expense		 1.82 2.10 1.82 1.43 0.99 1.26 2.73 4.58 0.82 0.65
EBIT Less CapEx to Interest Expense		 3.10 3.61 3.14 2.25 1.36 1.81 3.86 6.47 1.15 0.92
NOPAT Less CapEx to Interest Expense		 1.82 2.10 1.82 1.43 0.99 1.26 2.73 4.58 0.82 0.65
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.37% 0.26% 0.23% 0.20% 0.15% 0.21% 0.05% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.37% 0.26% 0.23% 23.29% 36.53% 21.39% 7.82% 0.00% 15.94% 21.40%

Quarterly Metrics and Ratios for Axos Financial

This table displays calculated financial ratios and metrics derived from Axos Financial's official financial filings.

Metric Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 19.81% 29.42% 29.68% 22.83% 18.29% 54.55% 27.48% 23.03% 30.53% -12.71% 4.77%
EBITDA Growth		 -1.36% 29.94% 26.23% 43.85% 34.90% 74.79% 14.81% 8.10% 6.91% -36.74% -4.63%
EBIT Growth		 -2.43% 35.76% 31.83% 43.18% 42.62% 85.47% 35.63% 23.41% 34.73% -30.85% -4.80%
NOPAT Growth		 -2.99% 34.16% 29.16% 50.88% 41.50% 86.10% 38.66% 20.05% 35.93% -31.02% -4.98%
Net Income Growth		 -2.99% 34.16% 29.16% 50.88% 41.50% 86.10% 38.66% 20.05% 35.93% -31.02% -4.98%
EPS Growth		 -2.02% 35.00% 29.41% 48.96% 42.27% 94.07% 44.70% 22.38% 39.86% -31.30% -5.24%
Operating Cash Flow Growth		 154.83% 87.50% -140.73% -47.36% -51.73% 11.57% 298.20% -43.50% 107.06% 37.08% -36.36%
Free Cash Flow Firm Growth		 151.58% -197.49% -187.99% 186.72% -74.40% 96.93% 91.74% -100.81% -338.98% -196.59% -6.33%
Invested Capital Growth		 -5.29% 0.00% 0.00% -6.82% 0.87% 8.40% 11.99% 3.61% 8.37% 11.60% 10.99%
Revenue Q/Q Growth		 7.88% 9.90% 1.31% 2.26% 3.89% 43.59% -16.43% -1.30% 10.22% -3.98% 0.31%
EBITDA Q/Q Growth		 5.98% 37.19% -3.08% 2.08% -0.61% 77.77% -36.34% -3.89% -1.71% 5.19% -4.03%
EBIT Q/Q Growth		 1.38% 41.48% -2.16% 2.02% 0.99% 83.99% -28.45% -7.17% 10.25% -5.57% -1.50%
NOPAT Q/Q Growth		 0.88% 39.63% -2.09% 9.40% -5.39% 83.64% -27.05% -5.28% 7.12% -6.81% 0.50%
Net Income Q/Q Growth		 0.88% 39.63% -2.09% 9.40% -5.39% 83.64% -27.05% -5.28% 7.12% -6.81% 0.50%
EPS Q/Q Growth		 1.04% 39.18% -2.22% 8.33% -3.50% 89.86% -27.10% -8.38% 10.29% -6.74% 0.56%
Operating Cash Flow Q/Q Growth		 -51.87% 50.03% -154.42% 233.94% -55.86% 246.76% 1.23% -61.81% 61.74% 129.57% -54.66%
Free Cash Flow Firm Q/Q Growth		 109.78% -1,318.05% 0.29% 111.25% -81.27% -245.91% -168.59% 98.90% -5,447.68% -81.08% 3.71%
Invested Capital Q/Q Growth		 -7.68% -5.03% -0.34% 6.64% -0.07% 2.07% 2.97% -1.35% 4.53% 5.10% 2.40%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 43.17% 53.89% 51.55% 51.46% 49.23% 60.95% 46.43% 45.21% 40.32% 44.17% 42.26%
EBIT Margin		 39.89% 51.35% 49.60% 49.48% 48.10% 61.63% 52.77% 49.63% 49.65% 48.82% 47.95%
Profit (Net Income) Margin		 28.12% 35.73% 34.53% 36.94% 33.64% 43.03% 37.56% 36.05% 35.03% 34.00% 34.07%
Tax Burden Percent		 70.50% 69.58% 69.63% 74.66% 69.95% 69.81% 71.18% 72.63% 70.57% 69.64% 71.05%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 29.50% 30.42% 30.37% 25.34% 30.05% 30.19% 28.82% 27.37% 29.43% 30.36% 28.95%
Return on Invested Capital (ROIC)		 7.01% 20.60% 21.29% 10.83% 10.70% 15.73% 14.35% 14.10% 14.24% 12.86% 12.70%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.01% 20.60% 21.29% 10.83% 10.70% 15.73% 14.35% 14.10% 14.24% 12.86% 12.70%
Return on Net Nonoperating Assets (RNNOA)		 5.91% 11.65% 10.91% 7.93% 6.53% 8.00% 6.65% 6.19% 5.89% 5.09% 4.74%
Return on Equity (ROE)		 12.92% 32.25% 32.20% 18.75% 17.23% 23.73% 21.00% 20.29% 20.13% 17.95% 17.43%
Cash Return on Invested Capital (CROIC)		 13.32% -181.44% -180.09% 17.02% 10.33% 5.71% 3.31% 11.32% 7.46% 2.52% 2.55%
Operating Return on Assets (OROA)		 1.75% 2.21% 2.16% 2.37% 2.31% 3.26% 2.81% 2.72% 2.82% 2.62% 2.53%
Return on Assets (ROA)		 1.23% 1.54% 1.50% 1.77% 1.61% 2.27% 2.00% 1.98% 1.99% 1.82% 1.79%
Return on Common Equity (ROCE)		 12.92% 32.25% 32.20% 18.75% 17.23% 23.73% 21.00% 20.29% 20.13% 17.95% 17.43%
Return on Equity Simple (ROE_SIMPLE)		 14.05% 14.53% 15.06% 0.00% 16.77% 19.33% 19.69% 0.00% 19.94% 17.15% 16.40%
Net Operating Profit after Tax (NOPAT)		 58 82 80 87 83 152 111 105 112 105 105
NOPAT Margin		 28.12% 35.73% 34.53% 36.94% 33.64% 43.03% 37.56% 36.05% 35.03% 34.00% 34.07%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 34.40% 34.58% 36.55% 34.99% 35.05% 25.80% 33.99% 35.21% 34.88% 35.29% 36.44%
Operating Expenses to Revenue		 55.90% 47.33% 48.02% 47.56% 49.05% 34.54% 45.20% 48.31% 45.99% 47.20% 47.36%
Earnings before Interest and Taxes (EBIT)		 83 117 115 117 118 217 156 144 159 150 148
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 90 123 119 122 121 215 137 132 129 136 131
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.21 1.28 1.20 1.22 1.15 1.52 1.40 1.42 1.49 1.58 1.41
Price to Tangible Book Value (P/TBV)		 1.33 1.41 1.31 1.32 1.24 1.63 1.50 1.52 1.58 1.67 1.49
Price to Revenue (P/Rev)		 2.72 2.84 2.58 2.58 2.41 2.96 2.72 2.75 2.84 3.28 3.00
Price to Earnings (P/E)		 8.59 8.83 7.98 7.59 6.85 7.85 7.11 7.23 7.46 9.22 8.63
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 11.64% 11.32% 12.54% 13.18% 14.59% 12.74% 14.07% 13.82% 13.41% 10.85% 11.59%
Enterprise Value to Invested Capital (EV/IC)		 0.54 0.48 0.24 0.34 0.29 0.77 0.53 0.60 0.49 0.64 0.66
Enterprise Value to Revenue (EV/Rev)		 2.12 1.68 0.76 1.11 0.91 2.20 1.47 1.57 1.26 1.79 1.86
Enterprise Value to EBITDA (EV/EBITDA)		 4.41 3.46 1.57 2.22 1.76 4.06 2.79 3.08 2.59 4.08 4.34
Enterprise Value to EBIT (EV/EBIT)		 4.74 3.67 1.65 2.33 1.83 4.13 2.72 2.93 2.35 3.57 3.80
Enterprise Value to NOPAT (EV/NOPAT)		 6.70 5.21 2.36 3.28 2.58 5.84 3.83 4.14 3.31 5.03 5.36
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.84 2.90 2.46 5.12 5.33 13.60 4.88 6.09 4.65 5.64 6.66
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.97 0.00 0.00 1.92 2.79 14.08 16.91 5.43 6.88 26.96 27.27
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.73 0.57 0.51 0.55 0.50 0.46 0.42 0.35 0.34 0.34 0.33
Long-Term Debt to Equity		 0.44 0.33 0.29 0.32 0.33 0.28 0.25 0.21 0.21 0.22 0.21
Financial Leverage		 0.84 0.57 0.51 0.73 0.61 0.51 0.46 0.44 0.41 0.40 0.37
Leverage Ratio		 10.49 10.48 10.73 10.60 10.67 10.44 10.50 10.27 10.13 9.85 9.71
Compound Leverage Factor		 10.49 10.48 10.73 10.60 10.67 10.44 10.50 10.27 10.13 9.85 9.71
Debt to Total Capital		 42.28% 36.13% 33.88% 35.54% 33.51% 31.50% 29.69% 25.67% 25.31% 25.51% 24.89%
Short-Term Debt to Total Capital		 16.99% 15.04% 14.56% 14.98% 11.50% 12.16% 12.40% 9.77% 9.81% 9.14% 9.07%
Long-Term Debt to Total Capital		 25.29% 21.09% 19.32% 20.56% 22.01% 19.34% 17.29% 15.90% 15.50% 16.36% 15.82%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 57.72% 63.87% 66.12% 64.46% 66.49% 68.50% 70.31% 74.33% 74.69% 74.49% 75.11%
Debt to EBITDA		 3.44 2.58 2.27 2.33 2.05 1.66 1.56 1.31 1.33 1.62 1.64
Net Debt to EBITDA		 -1.25 -2.41 -3.74 -2.92 -2.92 -1.40 -2.39 -2.31 -3.25 -3.39 -2.65
Long-Term Debt to EBITDA		 2.06 1.51 1.29 1.35 1.35 1.02 0.91 0.81 0.82 1.04 1.04
Debt to NOPAT		 5.21 3.89 3.40 3.44 3.01 2.38 2.14 1.76 1.70 2.00 2.02
Net Debt to NOPAT		 -1.89 -3.63 -5.61 -4.31 -4.28 -2.01 -3.28 -3.10 -4.15 -4.18 -3.27
Long-Term Debt to NOPAT		 3.12 2.27 1.94 1.99 1.97 1.46 1.25 1.09 1.04 1.28 1.28
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 223 -2,717 -2,709 305 57 -83 -224 -2.46 -136 -247 -238
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 5.15 -34.10 -25.00 2.14 0.37 -0.50 -1.23 -0.01 -0.71 -1.40 -1.51
Operating Cash Flow to Interest Expense		 1.64 1.33 -0.53 0.54 0.22 0.71 0.63 0.23 0.37 0.92 0.47
Operating Cash Flow Less CapEx to Interest Expense		 1.64 1.33 -0.53 0.54 0.22 0.71 0.63 0.23 0.37 0.92 0.47
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.06 0.05 0.05
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,947 2,799 2,789 2,974 2,972 3,034 3,124 3,082 3,221 3,386 3,467
Invested Capital Turnover		 0.25 0.58 0.62 0.29 0.32 0.37 0.38 0.39 0.41 0.38 0.37
Increase / (Decrease) in Invested Capital		 -165 2,799 2,789 -218 26 235 335 107 249 352 343
Enterprise Value (EV)		 1,601 1,352 656 1,006 853 2,344 1,656 1,861 1,589 2,178 2,289
Market Capitalization		 2,053 2,293 2,215 2,331 2,271 3,152 3,075 3,256 3,578 3,988 3,684
Book Value per Share		 $28.36 $29.79 $30.73 $32.43 $32.95 $36.00 $38.60 $40.21 $42.28 $44.17 $45.60
Tangible Book Value per Share		 $25.69 $27.17 $28.15 $29.86 $30.45 $33.46 $36.06 $37.72 $39.84 $41.76 $43.22
Total Capital		 2,947 2,799 2,789 2,974 2,972 3,034 3,124 3,082 3,221 3,386 3,467
Total Debt		 1,246 1,011 945 1,057 996 955 927 791 815 864 863
Total Long-Term Debt		 745 590 539 612 654 587 540 490 499 554 549
Net Debt		 -452 -941 -1,559 -1,325 -1,418 -808 -1,419 -1,395 -1,988 -1,810 -1,395
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,246 1,011 945 1,057 996 955 927 791 815 864 863
Total Depreciation and Amortization (D&A)		 6.80 5.78 4.52 4.67 2.78 -2.42 -19 -13 -30 -14 -18
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.98 $1.36 $1.33 $1.48 $1.40 $2.65 $1.94 $1.83 $1.97 $1.83 $1.84
Adjusted Weighted Average Basic Shares Outstanding		 60.00M 60.00M 59.11M 59.98M 57.73M 56.90M 56.97M 56.89M 57.09M 57.10M 56.37M
Adjusted Diluted Earnings per Share		 $0.97 $1.35 $1.32 $1.43 $1.38 $2.62 $1.91 $1.75 $1.93 $1.80 $1.81
Adjusted Weighted Average Diluted Shares Outstanding		 60.00M 60.00M 59.11M 59.98M 57.73M 56.90M 56.97M 56.89M 57.09M 57.10M 56.37M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 60.00M 60.00M 59.11M 59.98M 57.73M 56.90M 56.97M 56.89M 57.09M 57.10M 56.37M
Normalized Net Operating Profit after Tax (NOPAT)		 58 82 80 87 83 152 111 105 112 105 105
Normalized NOPAT Margin		 28.12% 35.73% 34.53% 36.94% 33.64% 43.03% 37.56% 36.05% 35.03% 34.00% 34.07%
Pre Tax Income Margin		 39.89% 51.35% 49.60% 49.48% 48.10% 61.63% 52.77% 49.63% 49.65% 48.82% 47.95%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.91 1.47 1.06 0.82 0.77 1.31 0.85 0.75 0.83 0.85 0.94
NOPAT to Interest Expense		 1.35 1.02 0.74 0.61 0.54 0.91 0.61 0.54 0.58 0.59 0.67
EBIT Less CapEx to Interest Expense		 1.91 1.47 1.06 0.82 0.77 1.31 0.85 0.75 0.83 0.85 0.94
NOPAT Less CapEx to Interest Expense		 1.35 1.02 0.74 0.61 0.54 0.91 0.61 0.54 0.58 0.59 0.67
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 11.38% 15.94% 20.35% 32.75% 23.25% 21.40% 16.22% 3.17% 9.13%

Frequently Asked Questions About Axos Financial's Financials

When does Axos Financial's financial year end?

According to the most recent income statement we have on file, Axos Financial's fiscal year ends in June. Their fiscal year 2024 ended on June 30, 2024.

How has Axos Financial's net income changed over the last 9 years?

Axos Financial's net income appears to be on an upward trend, with a most recent value of $450.01 million in 2024, rising from $82.68 million in 2015. The previous period was $307.17 million in 2023. See Axos Financial's forecast for analyst expectations on what’s next for the company.

How has Axos Financial revenue changed over the last 9 years?

Over the last 9 years, Axos Financial's total revenue changed from $229.54 million in 2015 to $1.18 billion in 2024, a change of 415.9%.

How much debt does Axos Financial have?

Axos Financial's total liabilities were at $20.56 billion at the end of 2024, a 11.6% increase from 2023, and a 288.7% increase since 2015.

How much cash does Axos Financial have?

In the past 9 years, Axos Financial's cash and equivalents has ranged from $222.77 million in 2015 to $2.23 billion in 2023, and is currently $1.98 billion as of their latest financial filing in 2024.

How has Axos Financial's book value per share changed over the last 9 years?

Over the last 9 years, Axos Financial's book value per share changed from 34.42 in 2015 to 40.21 in 2024, a change of 16.8%.


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This page (NYSE:AX) was last updated on 5/6/2025 by MarketBeat.com Staff
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